XIRR Calculator
Annualized return from irregular dated cash flows — three investments at different times against today's value.
Formula
XIRR is the only honest return for SIPs and staggered deployments — absolute gain ('made 65k on 225k') means nothing without when each rupee went in. Every MF statement's XIRR is computed exactly this way.
Not financial advice — for informational and analytical use only. Verify all figures with a qualified professional before acting on them.
Disclaimer: This tool is for general informational and estimation purposes only and is not professional financial, tax, accounting or legal advice. All figures are estimates — verify with a qualified professional before making decisions. Read the full disclaimer.
Need xirr calculator results fast? Analysts, founders, traders and finance professionals use the XIRR Calculator to skip the spreadsheet and get a defensible answer in one step — free, private and instant.
About XIRR Calculator
Annualized return from irregular dated cash flows — three investments at different times against today's value. XIRR is the only honest return for SIPs and staggered deployments — absolute gain ('made 65k on 225k') means nothing without when each rupee went in. Every MF statement's XIRR is computed exactly this way. The governing relationship is Σ CFᵢ·(1+r)^(tᵢ) = value today (solve r). The XIRR Calculator computes entirely in your browser — free, private (your figures never leave your device) and instant, recalculating live as you change any input.
How to use XIRR Calculator
- 1Enter Investment 1 amount (currency), Months ago, Investment 2 amount (currency), Months ago, Investment 3 amount (0 if none) (currency), Months ago into the XIRR Calculator.
- 2The result is computed automatically using Σ CFᵢ·(1+r)^(tᵢ) = value today (solve r) — there is no button to press.
- 3Change any input to model a different scenario, then copy or share the result.
Why use XIRR Calculator?
- ✓Computes xirr calculator instantly with the correct formula — no spreadsheet needed
- ✓100% free and unlimited, with no sign-up, login or paywall
- ✓Runs entirely in your browser, so the figures you enter stay private
- ✓Shows the formula, a live worked example and references so you can defend the number
Frequently asked questions
What is the formula behind the XIRR Calculator?+
XIRR Calculator uses Σ CFᵢ·(1+r)^(tᵢ) = value today (solve r). XIRR is the only honest return for SIPs and staggered deployments — absolute gain ('made 65k on 225k') means nothing without when each rupee went in. The tool substitutes your actual inputs into this relationship and shows the worked example step by step.
What inputs does the XIRR Calculator need?+
Enter Investment 1 amount (currency), Months ago, Investment 2 amount (currency), Months ago, Investment 3 amount (0 if none) (currency), Months ago and the result updates immediately — there is no button to press. Change any value to model a different scenario in real time.
Is the XIRR Calculator free, and is my data private?+
Yes — it is completely free with no sign-up or usage limit, and it runs entirely in your browser, so the numbers you enter are never uploaded or stored on any server. It is for informational and analytical use, not financial advice.
What should I watch out for when using the XIRR Calculator?+
Every MF statement's XIRR is computed exactly this way.
What is the XIRR Calculator based on?+
The method follows authoritative sources: Excel/LibreOffice XIRR function definition. The formula and references are shown on the page so you can verify and cite the result.
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